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Property Managers and Insurance Issues

Dear Property Manager,

Could your electrical, plumbing or other hired helpers put you out of business?

They could, if you don’t know for certain that they’re carrying commercial general liability and
workers compensation insurance.

Property managers have a duty of care responsibility towards their clients and the properties they manage.

 

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In a tough economy, some corners small businesses cut are the costs of insurance. Contrary to popular belief, there is no legal obligation for any contractor, including plumbers and electricians, to carry any liability insurance in California. This seems to be surprising. Many electricians claim to be “Insured and Bonded”, but often this refers only to the bare minimum bonding required by the California Contractors State License Board.

But without being covered by a current, adequate and complete policy package, your company is exposed for accidents or damage workmen may do to your customers’ property or themselves on the job. And an electrician or plumber can state that he has no employees to exempt himself from carrying any workers comp insurance. But if he ever shows up at your customers with anyone else (as most contractors have helpers), you are surely liable for their medical and unemployment expenses if injuries occur.

Just because a proof of insurance was provided a year or even a month ago doesn’t mean it’s true today. And there’s no way to avoid being blindsided by this risk without wasting time on a regular basis to call your workmen’s insurance companies to check on your own.

Unless...

You have the peace of mind of working with a licensed electrical contractor able to offer to protect HOAs and property managers—at no cost—as additionally insured on our commercial general liability and as certificate holders for our workers compensation. This way, our insurance providers immediately notify you of any changes or cancellations—no hiding, no wondering, no worries.

We at Roberts Electric Service have been in the electrical business for over 25 years, specializing in problem solving and maximizing existing structures, not new construction. And, as a corporation, we are exempt from W-2 and 1099 reporting—no IRS paperwork hassles.

Please give us a call to discuss scope and areas of service as well as competitive pricing options, and thank you for your consideration.

Sincerely yours,

Mat Wahlstrom
Robert May
Benjamin Day
Robert Donovan




We are committed to ensuring our customers' trust and safety, and we thank you for calling us for your electrical needs.

If you have any questions on insurance issues, you can contact us via
 telephone at (619) 757-7500 or via email to or regular mail below:

 Service@RobertsElectricService.com.

Roberts Electric Service, Inc.
302 Washington St #100
San Diego, CA 92103

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